Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Cash Rebate Credit Cards

citibank-double-cash-credit-cardOur favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash that you can use any way you want. Below we list some of the best cash rebate credit cards currently on the market, all offering at least 1% cash back, but usually more.
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Zero Interest Credit Cards

zero-percentBelow is a list of credit cards that offer zero percent interest rates on new purchases AND balance transfers for at least 12 billing cycles. Note that after the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Also understand that most 0% balance transfer offers include a balance transfer fee. All of these cards have no annual fee.
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Military Credit Cards

usaa-credit-cardsSeveral organizations exist that offer special financial products, including credit cards, to active duty and retired military members and their families. You can often get a better deal from these cards than you can on the open market. Below is an overview of some cards to look at if you have military experience or are related to a current or former military member:
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Instant Approval Credit Cards

yesterday2Instant approval credit cards can mean one of two things:

  • You get approved today but don’t get the card until later.
  • You get approved today and can instantly begin using your new credit line.

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Review: Blaze Credit Card

blaze-credit-cardThe Blaze Credit Card is offered as either an invitation-only unsecured MasterCard or a secured Visa card. Both cards are from First Savings Bank / First National Credit Card and are geared toward people with bad credit who have had trouble getting credit elsewhere. Below we offer an explanation of the difference between the two cards and a short review of each:

The Blaze MasterCard is an unsecured credit card that is offered by invitation-only. (An “unsecured” credit card is a traditional credit card that offers you credit without you having to put up a security deposit.)
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Unsecured Credit Cards For Bad Credit

bad_creditIf you have bad credit and you’re looking for a credit card, it’s easy to get a secured credit card that charges an annual fee, but it’s more difficult to be accepted for an unsecured credit card with no fee. We’ve created a list of unsecured credit cards that you might apply for even with bad credit. There is no guarantee any of these will accept you, but these are cards that either work with average to poor credit people, or have been rumored to give a second chance to those with bad credit.
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Gasoline Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Credit Cards Issued by Synchrony Bank (formerly GE Capital Retail Bank)

synchrony-bank-logoSynchrony Bank (formerly GE Capital Retail Bank) is the bank that is “really” behind many of the most popular retail credit cards out there. This means that if you have one of these cards, it is Synchrony Bank that is extending you credit and it is Synchrony you will be dealing with in the future, not the company whose name is on the front of the card. Synchrony Bank credit cards include:

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Review: Boy Scouts Credit Card

boy-scouts-credit-cardBoy Scouts of America, in partnership with UMB Financial, offers a Discover credit card that allows you to earn points toward Boy Scout merchandise or other rewards. Our overview / review of the Boy Scouts credit card is below:

The Boy Scouts Discover Card is a fairly straightforward rewards credit card. You get 1 point per dollar charged to the card, and also 1 point per dollar on any balances you transfer from other credit cards. You can then use those points toward Boy Scout merchandise or gift cards, travel rewards, statement credits, etc.
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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Credit Cards Issued By Comenity Bank (formerly World Financial Network National Bank / WFNNB)

victorias_secret_credit_card2Comenity Bank (formerly World Financial Network National Bank, or WFNNB) is the company behind many retail store credit cards. When you become a credit card customer of J.Crew, Victoria’s Secret, or one of their other partner retailers, you actually become a customer of Comenity Bank, because Comenity is actually issuing the card. Comenity Bank credit cards include:

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